Category Archives: Financial opinons

This is one of those company’s that I do not have a major problem with I just don’t get why some one would pay to offer reviews or read reviews. I also am bothered by the slick marketing and fluff in the print copy. What do I mean by fluff? its like a new car sticker that list 100 items on it. The sticker shows things like included 4 tires, side view mirrors, trunk carpet. No shit you really have to tell me that it will come with 4 tires? mirrors? carpet? What I can get 4 crates instead? Well angies list on their website. List MSNBC, NY TIMES, FOX & FRIENDS, TODAY and US NEWS prominently like they are some kind of endorsement. In reality they say very little more than fluff.

Why Angie’s List is better than free review sites:

I in fact know of one company and have worked for another that offered their employees incentives to go home and write phony reviews about the company they work for so the company’s rating on angies list can go up. (will tell you in a minute why rating to a company are important) NO anonymous reviews. How dopey do you really have to be to believe this one? Anybody can makeup a Hotmail, yahoo, Gmail account to write positive reviews on a company.

The next thing that bothers me is this statement:

Companies can’t pay to be on Angie’s List

Reviews come from real people like you, not anonymous users

Companies can’t pay to be on angies list. True. Well sort of. This is slick and in my book equal to the “reach around” Companies do not pay to get into angies list, but once they are on angies list they pay big to get their company higher on the list! Here is a small sample of a letter a company received once they were on angies list. Make sure members choose you by becoming a featured company on Angies list. Web placement or keyword advertising: Appear on the first page of search results so members can easily find and access your reviews. Call center advertising. Be 1 of only 4 referrals provided when a member calls Angies list looking for a highly rated service provider in your category. This last one is the one that really bothers me, if I am working on the premise that I should trust a company because of the reviews, and then I call Angies list call center and they recommend the top 4 company’s because the company’s paid to become one of the top 4. Then the reviews don’t matter so why am I reading them or writing them? Reviews are worthless if they are not the only thing that rates a company.

Reviews come from real people not anonymous users: Slick wording going on here! Yes no anonymous users are allowed, what they mean is that you must have a valid email. You can’t just write as anonymous. But as I said anyone can make up a fictitious email address and then write a review. Yes a real person but still anonymous and not a true review. Angies list would probably counter by saying that they charge for membership to make sure that the person is real, and BIDPETE will counter that if I own a company on Angies list, the monthly fee of $13.60 to be a member is an acceptable cost of doing business to have my employees or friends write positive reviews on my company. I could go on and on, but what I want is for you to look at everything around you with open eyes. Be an educated consumer.

Well speak up! Am I a bully? No hell NO, what I am is the SENSEI OF COMMON SENSE(tm) THE MAYOR OF REAL VILLE. If it walks like a duck, quacks like a duck you can put lipstick and a tutu on it and call it a swan if you want but the truth is that it’s a duck. What made me ask if I am a bully is a few comments and emails that made me think that I might be coming off a kind of bully. And that upsets me because that is the last impression that I want to put out. So I am going to step back and let you answer the question. Here is just one of the comments and my reply that made me ask the question. It is from my https://breakitdownpete.wordpress.com/2011/09/18/auto-salesman-exposed/ post.

So am I a bully or just a super genius, Am I a bully or the most interesting man in the world, (stay thirsty my friends) Am I a bully or just hot like Magic Mike, Am I a bully or just delusional!

anonymous Comment

dude you guys act like auto salespeople are making a million dollars a year….we are just trying to make a living to feed our families…… We work long hours 12 hours a day 3 days a week 10 hrs a day the other days, never 2 days in a row off and people talk to us like trash….we have a lot of people waste our time……so we do deserve to make a little money because in essence we are working 1 full time job and 1 part time job…..whatever you do for a living you have to make profit to stay in business and feed your family……WHAT DO YOU DO FOR A LIVING? And if we don’t make a profit the dealership will shut down like dealers that were in business for over 100 hundred years that closed down…now those local customers can drive all the way accross town to service their cars, because they wanted to beat their local dealer up for a few hundred dollars, I think they shot themselves in the foot……ALL BUSINESSES HAVE TO MAKE A PROFIT…..SO IF ANY BUSINESS MAKES A PROFIT THAT MUST BE A CRIME…….SINCE YOU ARE SO INCONSIDERATE AND HAVE A MOUTH THAT SOMEONE TOOK A CRAP IN, DO YOU KISS YOUR MOTHER WITH THAT MOUTH AND MAYBE I SHOULD TRY TO BUST EVERYONE I EVER TALK TO FOR A BETTER DEAL……OR DO I ALLOW A MAN TO MAKE A FAIR PROFIT……

BIDPETE Reply

Hell Yea! This is what I am talking about people. GREAT comment! You make some really great points and intelligently articulated them until your meds wore off and then you got all personal and shit with the mother thing. But I got nothing but love for you. I really hope you do not stay Anonymous because I would love it if you became a regular contributor. If you read more of my post and the comments on them from my regular readers you will see that I am on your side it is for hard-working family people like yourself that I write for. (I say people because I don’t even know if you are a man or woman) When you read my site in totality including my about page you will see that I have a serious message that I wrap around with some colorful language just to keep the site fresh and entertaining. Read my WHAT YOU THINK YOU ARE A MAN or FATHER IS WHAT I AM or ANOTHER BITCH ASS MAN or BAGGY PANTS SERIOUSLY STILL. Now to answer your question I am a fleet manager, I am a class A certified diesel mechanic with 40 years working experience so yes I can speak on this subject because I have also worked the 60 hrs. A week you talk about most of it during the grave yard shift! I am also a republican, so yes I believe in business making a profit. And dealerships are closing for many reasons like POOR customer service, Mismanagement, poor inventory strategies, manufacture recalls and so on. Not just because I was well prepared and made the best well-informed and educated deal on my last car. And did not fall for the $250.00 stain protection treatment that was just a can of spray that I could buy myself for $30.00 dollars or the $800.00 security alarm that you just had the local alarm installer do for you for $150.00. Please return and join in on making a difference. Or stay Anonymous whining and bitter. Your choice? Peace!

I read a few articles a couple of weeks ago and was pissed off by the hard sell and grandiose attitude. It upsets me when we are fed these glorious how to become millionaire how to’s. “Learn how to generate multimillion-dollar wealth — and enjoy the journey on your way to the top”. “First, understand that you no longer want to be just a millionaire. You want to become a multimillionaire”. Hears my answer EAT ME! They never give you word for word or step by step directions. Just hyperbole and round about that lead you to a product or service or agenda that they are really trying to sell. And that’s what is truly upsetting to me is that we fall for the fast track, the get rich quick scam the take a magic pill and lose weight or wear the magic electric belt and loose belly fat story. STOP IT!!! Holy shit whats it going to take for us to understand the facts: To lose weight you have to burn off more calories than you take in. PERIOD! Basically eat better and smarter and move more. You know, don’t pound down 5 cheese burgers and take a nap instead eat one cheese burger and take a walk. Now I know it is not that simple, some people have medical issue, mental issues etc. Save your complaints I get it! You are the one who doesn’t get the point of this post. It’s not about fat people or poor people or stupid people it’s about stepping back and thinking, applying some thought and common sense processes. Ok back to the post. For financial health spend less money then you make. Basic math people. The greatest word in math is MULTIPLY! If you make $1,000 a month but spend $1,500 MULTIPLY that by 12 months and you’re in deep shit. Now multiply that by the credit you use to make up that $500.00 you over spent and the criminal interest rates you paid to use that credit by 12 months and now you are in really deep stinky diarrhea shit. On the other hand spend less than you make and save or invest that extra cash, MULTIPLY it by 12 months and now your shit don’t stink now you have some peace of mind, now you are not depressed about money and not arguing with your partner about money and you have a little security, now maybe your credit score is better and you can take advantage of opportunities that might arise to increase your net worth. NET that’s another great word. GROSS doesn’t mean shit if your NET sucks. If you’re gross is a million dollars but your liabilities are 1.5 million then your net worth is negative 1/2 a million and your financial life sucks. Wait, Wait for it, here come the wall street crowd, Pete you are wrong you forgot about leverage in this scenario. And too you I also say EAT ME! You don’t get the point of this post. I have no finance back ground, I am not offering your bullshit advice to my readers so save it. My savvy readers get this post, come back and read their comments. I simply say THINK, RESEARCH, TRUST YOUR GUT, USE COMMON SENCE. Dont allow yourself to become the food in the food chain!

UPDATE: In one of those articles they had rules for becoming a multimillionaire and I have to admit that some of them if you use them in everyday life could be beneficial. So I will copy and past their rules and add/adjust to make them work for me. You are welcome to see if they fit in your life.

And one more thing, when you become a Multimillionaire. Help a brother out! Send me a few bucks.

No. 1: Decide to be a multimillionaire
BIDPETE: How about I first decide I want to be a better person, better father, better husband, better man. Yea I think I will start there and I bet you I will start making better choices, better decisions.

No. 2: Get rid of poverty thinkingBIDPETE: WTF? im just going to ignore this one. I want to remember the hard times, the mistakes so I can enjoy my accomplishments. P.S. I get it I just don’t ever want to lose myself.

No. 3: Treat it like a duty BIDPETE: Yes you have to be focused, committed and work hard every day towards your goals in life. What ever those goals are.

No. 4: Surround yourself with multimillionaires You can’t learn how to make money from someone who doesn’t have much. Who says, “Money won’t make you happy”? People without money. Who says, “All rich people are greedy”? People who aren’t rich. Wealthy people don’t talk like that. You need to know what people are doing to create wealth and follow their example: What do they read? How do they invest? What drives them? How do they stay motivated and excited? BIDPETE: A big yes. I believe that you have to move out side of your circle of influence to grow. If your circle involves chaos and confusion, or abuse or negativity, poverty, criminality. You can not learn how to move on from this circle. That is why they are still in this circle, they don’t know how to get out of it. You have to look outside of this circle one circle at a time untill you acquire the skill set to move on. I could go on for days on this one. If you don’t make a change today than tomorrow will be just more of the same and so on for years maybe even a life time.

No. 5: Work like a millionaire Financially successful people are consumed by their hunt for success and work to the point that they feel they are winning and not just working. BIDPETE: Hell yea! Just don’t forget to smell the roses. Enjoy your life. Be there for your FAMILY!

No. 6: Shift focus from spending to investing
The rich don’t spend money; they invest. They know the U.S. tax laws favor investing over spending. You buy a house and can’t write it off. The rich, in contrast, buy an apartment building that produces cash flow, appreciates and offers write-offs year after year. You buy cars for comfort and style. The rich buy cars for their company that are deductible because they are used to produce revenue. BIDPETE: Hello! Checkmate! Read this section a hundred time please!

No. 7: Create multiple flows of incomeThe really rich never depend on one flow of income but instead create a number of revenue streams. BIDPETE: CHA-CHING!

Thank you to all who contributed to this post and for having some fun with the comments. Below you will find the answers to the quiz. What I want and hope is that you will consider your credit and the value it has on your finances. I will continue to post on this topic in the future. In the mean time here is the greatest link to the most informative site I know on this topic. Go there and use it! It is a great resource! WWW.CREDITFAIRY.ORG Please give me some feed back on this resource. Do you have one we should know about?

1. It is impossible to change what’s in your credit report.
False

Correct! Inaccuracies, errors, out of date information canbe fixed with the credit bureaus. Accurate negative information (late payments, delinquencies, etc.) less than seven years old cannot be magically “erased” from your report, but you can begin to rebuild your credit by making positive financial choices going forward.

2. You have to make a lot of money to have a good credit score.
False

Correct! Your income is not included as part of your credit score or credit bureau report.

3. Paying cash for every purchase hurts your credit.

True

Correct! If you do not have any established sources of credit—credit cards, loans, etc.—lenders will actually consider you a credit risk. Paying your bills on time, using varied sources of credit and building a long credit history can bolster your credit score. Consider taking out a small loan and paying it off quickly or opening a new credit card and paying your charges off each month to help boost your score.

4. You have multiple credit scores.

True

Correct! You actually have at least four credit scores! Each of the three credit bureaus—Experian, Equifax and TransUnion—calculates your credit score based on their own information and data, in addition to calculating your FICO score based on their own information as well.

5. It takes 7 years to fix a poor credit score.
False

Correct! Negative credit items like late payments, defaults or delinquencies do remain on your credit report for seven years on average. However, you can begin to rebuild your credit score almost immediately by adding positive items (like on-time payments) to your credit history, thereby diluting the effect of past negative items.

Correct! Length of credit history accounts for at least 15 percent of your overall credit score, so if you have a number of credit cards and decide you want to close one, selecting the card with the longest history is not the best choice. Payment history accounts for up to 35 percent of your score, so make sure you keep the cards you’ve had the longest, and pay them on time every month. The longer you’ve had a card with a good payment history, the better!

7. When you get married, your credit score is merged with your spouse’s.
False

Correct! Your credit history is unique to you…forever. However, if you apply for joint credit (car loan, home mortgage, etc.) with your spouse, both credit histories will be reviewed. If one of you has a negative credit history, it can affect whether or not you will be approved for the loan and its terms.

8. Checking your credit report can hurt or lower it.
False

Correct! You have the right to check your credit report anytime; this is called an “administrative inquiry” and it does not affect your credit score. However, too many inquiries made by potential lenders over a twelve month period canlower your score, so be careful about opening too many cards or applying for too many loans in one year.

9. Credit scores and credit reports are two different things.

True

Correct! Your credit report is a comprehensive listing of all your current and past credit cards, loans, and other personal financial data. Your credit scoreis a number calculated from the data in your credit report and other information, like checking accounts.

10. Bankruptcy is a “fresh start” for troubled credit.
False

Correct! Bankruptcies are reflected on your credit report…so while you won’t owe any outstanding debts anymore once you have filed for bankruptcy, the bankruptcy itself will still have a negative impact on your overall credit score.

So let’s try this again! From the top this time! CREDIT! CREDIT! CREDIT!you can not get away from this word and what it means in your life. Here is the definition straight out of the dictionary. You can easily see that the word CREDIT is a good thing until you fuck it up! then its your worst nightmare. Like that house you promised your baby you would buy her, before CREDIT made you a liar! Or why you still live with your MaMa because CREDITsaid No Way Jose to the only apartment your broke ass could afford. And the reason your ass is broke is because CREDIT told your potential employer that you are a dead beat loser who might be a risk to hire. Yea, Yea, get the sand out of your vagina and stop your crying I know this is not the majority of you that I speak of. I know there are many legit reasons for having a poor credit score like your company down sizing and kicking your ass to the curb, or your dumb ass cheating and your partner kicking you to the curb like the dog that you are and taking your CREDIT with them. Or that Casanova you met on-line that you traveled overseas to marry only to find out that he was already married to 3 other women, and a prison escapee who conned you out of your good credit. Wait shit this one doesn’t count if this is you then you are already to stupid for me to help. Or the evil bankers who sold you that million dollar house while you were working at Micky D’s. Or the family member you co-signed for, who turned up on Americas Most Wanted. I am not talking about you! I am mostly talking about me! Back in the day! Before I became older then dirt! I was probably all of these except the overseas one. That one I have no sympathy for i’m just going to keep laughing at your dumb ass. So get a grip! Answer the quiz I am about to give you and help me educate others!

Dictionary definition:

1. commendation or honor given for some action, quality, etc.: Give credit where it is due.

2. a source of pride or honor: You are a credit to your school.

3. the ascription or acknowledgment of something as due or properly attributable to a person, institution, etc.: She got a screen credit for photography.

4. trustworthiness; credibility: a witness of credit.

5. confidence in a purchaser’s ability and intention to pay, displayed by entrusting the buyer with goods or services without immediate payment.

6. reputation of solvency and probity, entitling a person to be trusted in buying or borrowing: Your credit is good.

7. influence or authority resulting from the confidence of others or from one’s reputation.

8. time allowed for payment for goods or services obtained on trust: 90 days’ credit.

9. repute; reputation; esteem.

10. a sum of money due to a person; anything valuable standing on the credit side of an account: He has an outstanding credit of $50.

11. Education .

a. official acceptance and recording of the work completed by a student in a particular course of study.

12.Bookkeeping .

a. an entry of payment or value received on an account.

b. the right-hand side of an account on which such entries are made ( opposed to debit).

an entry, or the total shown, on the credit side.

13. any deposit or sum of money against which a person may draw.

Have good credit and life is much easier. Take this quiz and leave me your answers in the comments, like this (1. T – F 2. T – F) etc. and in a day or two I will post the answers and continue on this CREDIT journey. Or not if you tell me i’m full of shit and you want me to shut up on this topic.

No JOKE it is a jungle out there when it comes to checking accounts. Remember BANKS ARE A BUSINESS! They are in the business of making money. Banks will do everything legally that they can to separate you from your money through hidden fee’s, fine print and rewards programs that most of the time will cost you more than the possible rewards they offer. It is basic math, banks will go out of business if they give you more than they get out of you! Visit a branch and the employees are bank salesman. Visit their website and your head might explode from all the confusion they will cause you through fine print, legalese and misdirection. But fear not, I am here to save your head from exploding. WHY? Because I’m the MAN! And I kinda like you. The key to saving yourself some money is to research and compare banks. Ahhh no shit there Sherlock so far you aren’t telling me SHIT! I could literally spend a month jumping from bank to bank websites trying to compare checking accounts so give me something Mr. Break it downnnnn and make it short and sweet because I have the attention span of a gerbil and I am a lazy SOB. Before I beat your ass! Old man. Ok, Ok, chill, get the sand out of your vagina. Put down the cub cake and I will give you a minute to take your hand away from your crotch and move it to the mouse so you can click this link. Here is the one and only website you need to compare every bank tailored to your specific needs. http://www.findabetterbank.com/ YOUR WELCOME! NOW SAY YOUR SORRY AND GET IN LINE TO KISS THE RING!

Need to lose 30lbs? Try sensa FREE*! Ah the wonderful world of marketing. The definition for marketing: The process or technique of promoting, selling, and distributing a product or service. Now my definition of Marketing: The rope-a-dope, The now you see it now you don’t, The art of manipulation, The technique of making shit smell good. marketing’s job is to convince you that you need, want, must have, or that there is some value in the product or service it is trying to sell. Learn it, study it as you might need to market yourself at some time in your life. Now lets break down the two first lines how i see them. Need to lose 30lbs? This a basic sales tool, to get the targeted consumer to always be saying YES! you want the consumer to get used to saying yes to all of your questions. So that when you get to the end of the sale, typically known as the close of the deal you will be inclined to say yes since you have said it thru out the presentation. And since this is a lose weight product the targeted consumer will always be looking to lose weight. Hence say yes. Got it! Second without actually saying that you will lose 30lbs the ad subliminally implies that you could lose 30lbs with their product. But when you look at the fine print you will see something like this is an average or its possible if you also follow a strict eating plan or exercise program. Now the second line. Try the product FREE*! Here is where they hit you with their get out of jail free card the Dreaded ASTERIX SYMBOL! Look around some where in the ad you will see the asterix symbol again and this time it will be full of disclaimers where you will find out that free is not really free. Definition of free: Costing nothing; Gratuitous, free! There will be some sort of shipping and handling charge or that you must enter into some sort of membership, or buy something else to get this product or service free. UNDERSTAND, PAY VERY CLOSE ATTENTION TO EVERY PART OF AND AD OR PRESENTATION. MARKETING IS HOPING TO ROPE-A-DOPE YOU INTO THEIR DEAL. DONT FALL FOR IT. I know nothing about sensa, i have no comment on sensa. It is just an ad i saw on-line and i am using it as an example. Look at it for yourself and i bet you will find a shit load of disclaimers!

Hunny he is so sweet, such a nice family man, can you believe how gutsy he was to go storming back into the sales managers office and fight for us to get us this great price on the very last car in inventory that we really wanted. And to sell it to us with out the dealership making any money on the deal. I mean we are so lucky, should we offer him a tip or invite him over for dinner? Son-of-a-bitch i wanna stab myself in the eye with a pencil right about now. A scenario similar to this plays out across America on a daily basis. Back up ladies, take a deep breath, don’t get your panties all twisted and in a bunch. This conversation could be a man talking to a women or a woman talking to a man. What i need you all to do is to continue reading and to think. SALE – SELL – SOLD – These are some of the most powerful and manipulated words in life! Just about every moment of the day YOU are being sold something!! Check this out, this is how my mind works. You wake up and turn on the TV for the news. The power company is now selling you electricity to power the TV for profit. The news is selling you information for profit via commercials, the commercials are selling you products or idea’s, or a life style for profit. I could go no and on for ever. And I will in future post but for now let’s get back to the devil in carne our glorious knight in shining armor – THE AUTO SALESMAN. By definition this man or womans job is to sell you something for PROFIT! All salesman have an agenda. It is to make personal profit or advancement period! They will do and say anything to make the sale, it is how they make a living. Shit believe and understand this and you will be better prepared not to get taken advantage of. check out this article, confessions of a car salesman http://www.popularmechanics.com/cars/news/industry/confessions-of-a-car-salesman-5681350?click=main_sr Then let me BREAK IT DOWN for you with just 4 of the many things an auto salesman will not tell you and hope you don’t know. (1) ” I’m getting a secret incentive to push this car” Most dealer and manufacturer incentives aren’t hard to uncover. Rebates, low-interest rates and other inducements are often advertised or easily found with a little research on car sites such as Edmonds. What is much tougher to find out is how much is the DEALER CASH offered by the manufacturer. It is some where typically between $500 and $2,000 that manufacturers quietly make to the dealer so they can push their slow-moving models of cars. There is some thing else known as the HOLD BACK. This is a percentage of the cars sticker price, that the manufacturer pays to the dealership after the car is sold. Usually 2-3% Dealerships view holdbacks as pretty much untouchable, Car dealers want this money and will fight tooth and nail not to give up or share any of this money with you. The reason I am telling you about this is so you can see how much bull shit the salesman is giving you when he tells you they are not making any money on your deal. “Dealer cash, is another story. You can get some of this money as long as you can find out about it. I will share a little salesman trick with you now. always act like you already know and say it like this strong and confident. “HOW MUCH IS THE DEALER CASH ON THIS instead of ” Is there dealer cash on this?” Grow some ball’s damn it! and check several dealerships, you’ll probably get a good idea of the amount available. (2) “sticker shock is built into this deal” Invoice pricing — what the dealership pays the manufacturer for a vehicle is no longer a secret, You can find invoice costs on a number of websites, Like TrueCar. What you need not forget is that there are additional costs that can add thousands of dollars to a car’s price — costs that can’t be negotiated away. Early in your negotiations, you should ask what these fees will add to the purchase price so that you can negotiate with those in mind. What you can do, though, is asked for a lower sales price to help offset these fees. And it may help to focus your negotiations on the “out the door” cost — the total price, including all required taxes and fees, that you have to pay to get the car. (3) “You will get a better deal from the internet department” What people typically don’t understand is that the car buying is more transparent, and salespeople have more authority, in the dealerships’ Internet departments, You can take advantage of this setup. From the comfort of your home, you can solicit lowest-price quotes on a car from a bunch of dealerships at once. (4) “Knock yourself out negotiating a good price; I’ve got plenty of other ways to fuck you” Price is just one of the many moving parts of the typical car deal. Three other important factors are:

The add-ons — paint sealant, car alarms, rustproofing, gap insurance and so on — are huge profit centers for dealerships. For example, a dealership might charge $300 for “fabric protection” that you could do yourself in a few minutes with a $5 can of Scotchgard. Almost any add-on you can get a better deal if you shop it around outside the dealership.

Consumer Reports has long warned against buying extended warranties on most products, including cars, saying their expensive protection against unlikely repairs. But some buyers like the security of an added layer of assurance. Still, you may be able to get an extended warranty for a significant discount by shopping around.

You also should know the trade-in value of your current vehicle so you don’t get lowballed. Most car-comparison sites offer some kind of appraisal calculator; use a few different ones so you have a ballpark idea what your car is worth. If you want to get the maximum value for your car, you should sell it yourself, but you should compare the typical “private party” sale price to the trade-in value to decide if it’s worth the hassle.

If you aren’t paying cash for your car, you should know that dealerships routinely mark up the interest rates on the loans they get from their warehouse lending sources.To make sure you get the best deal, arrange a loan with your credit union or bank before you step onto the lot. If the dealership can give you a better deal, you can cancel the other loan. If not, you’ll at least have financing at a reasonable cost. “That great deal we advertised? You won’t get it.”

You typically have to have good to excellent credit to win those low-interest loans that dealers and manufacturers advertise. Exactly how good your credit needs to be varies by the deal and often isn’t disclosed in advance.

Equally elusive may be the base model of any car design. Manufacturers may tout the low cost of a new car, but chances are, they’re citing a stripped-down model that you’re unlikely to find at any dealership.

“The dealerships aren’t going to have the base model on the lot”. “That’s just a teaser to get you in the door.”

As always, the key to a smart car purchase is to do plenty of research before you ever talk to a car salesperson.

“The more prepared you are before you go shopping,” “the better off you’re going to be.”

Breaking News! We interrupt this moment of clarity to inform our future millions of readers that THE MOST INTERESTING MAN ON EARTH will be providing pro-bono advise. Here on the Ask Pete! to break it down page. Stay thirsty my friends.

Part two of W.T.F. a fourth bureau! Below you will find very informative links that will give you a lot of information. Go there get schooled. Don’t let the blood sucking, money whores like MIKE MONDELLI take advantage of you. His company L2C is one of the companies that are involved in the fourth bureau. Here is the link to L2C http://www.l2cinc.com/ Here is how they spin what they do by using fancy language. I hate fuckers like this so pay some damn attention!

“L2C solutions use alternative, leading indicator data to inject insight, clarity and confidence into credit risk decisions across the consumer credit life-cycle”

This is what they are really saying!

Alternative = personal data that can be considered unreliable

Inject insight = sell your personal data for a profit

Consumer credit life-cycle = track all your personal shit without your knowledge or approval for the rest of your life. Fuck i hate companies like this that hide in the shadows.